BlastPoint's Credit Union Scorecard
EAGLE EXPRESS
Charter #48 · MS
EAGLE EXPRESS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 1.13% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Net Charge-Off Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,961
-2.7% YoY-0.5% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$64.2M
+1.1% YoY+0.3% QoQ
|
+$34.3M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Top 15.0% in tier |
| Loans |
$22.7M
+0.1% YoY-0.8% QoQ
|
+$6.9M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$51.1M
+0.6% YoY+0.3% QoQ
|
+$25.6M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
0.1%
-63.6% YoY+105.2% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
3.4%
+10.7% YoY+2.1% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
82.5%
-3.9% YoY-0.7% QoQ
|
+1.1% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
1.4%
-28.8% YoY+14.7% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
44.4%
-0.5% YoY-1.1% QoQ
|
-16.8% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$18,630
+3.3% YoY+0.4% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
23.2%
+11.9% YoY-2.6% QoQ
|
-1.3% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)